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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $250,617 | $115,917+116.2% | $100,535+149.3% | $158,982+57.6% |
| Participation rate | 100.0% | 81.6%+18.4pp | 79.4%+20.6pp | 82.0%+18.0pp |
| Annual return | 19.33% | 34.80%-15.5pp | 30.90%-11.6pp | 302.99%-283.7pp |
| Employer contribution / active EE | $2,169 | $4,105-47.2% | $3,419-36.5% | $4,763-54.5% |
| Participant deferral / active EE | $14,386 | $6,677+115.5% | $6,271+129.4% | $5,983+140.4% |
| Admin fee / account holder | $11,119 | $11,002+1.1% | $8,085+37.5% | $11,252-1.2% |